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I think the market will adjust if not cool down for sure. ALOT of people got "free" money during the pandemic (PPP, SBA, etc.). Most of which will be forgivable sadly. Don't mean that for the the people who actually needed these loans but for the people that just milked the system. This gave all those people that had the income but no savings a down payment now to go and buy 1-3 properties.
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